We hear this a lot: “I’ve been loyally paying my insurance company for years and I thought they were on my side. Why don’t they believe me now that I need their help?"

There are a couple of reasons why your insurance company is fighting you. The first is that, when the rubber hits the road, insurance companies are businesses. They have shareholders and governing boards to please, and that means trying to cut costs and increase profits. One way to do that is to pay out fewer claims, so they will often deny claims just to see who will fight back. The harsh reality is that for companies this size, it can be cheaper to pay legal fees than to pay claims.

The second reason is that they're really are fraudulent claims out there. Claim rejection is, unfortunately, a natural reaction over time to people trying to game the system. The best thing you can do is simply tell the truth about your case. Those are the clients we like to work with at BenGlassLaw, and we don’t play games with you or the insurance adjuster.

The third reason is that, often, the boots-on-the-ground claims adjusters for these companies are overworked, underpaid, and fielding calls all day from people who are in physical pain and don’t know where to go. In general, insurance companies hope to spend the minimum on each case so that they can move on to the next one.

The result is an insurance company that seems cold and emotionless. In reality, it’s full of people who have been trained to try to keep the business profitable.